Practical details
Insurance & fees
Money should not be the reason you put this off for another year. Here is exactly how coverage works at Bloomstead Counseling, in plain language.
In network
Plans currently accepted
If you carry one of these plans, telehealth sessions are typically covered aside from your copay, coinsurance or remaining deductible. Exact in-network status is confirmed through Headway before your first session.
- Independence Blue Cross of Pennsylvania
- Aetna
- Cigna
- Carelon Behavioral Health
- UnitedHealthcare / Optum
Plan names and networks vary by employer and region. If you are unsure whether your specific policy falls under one of the above, send it along when you reach out and it can be checked before your first session. Headway also handles eligibility checks and benefits questions at the time of booking.
Verifying your benefits
Coverage is decided by your specific policy, not by the insurer's name alone. The most reliable way to know what you will owe is a five-minute call to the member services number on the back of your card, or through the benefits verification Headway provides when you book.
Ask about outpatient mental health services delivered via telehealth, and write down the reference number for the call. If anything is unclear, bring it to the consultation and we will work through it together.
Questions to ask them
- Do I have outpatient mental health benefits for telehealth?
- What is my copay or coinsurance per session?
- Do I have a deductible, and how much of it remains this year?
- Is prior authorization required for outpatient therapy?
- Is there a limit on the number of sessions per year?
Self-pay
Private-pay sessions are available if you would rather keep therapy outside of insurance. The current rate is $165 per 50-minute session.
Out-of-network
If your plan is not listed, many policies reimburse a portion of out-of-network care. A monthly superbill can be provided for you to submit to your insurer.
Good faith estimate
Under the No Surprises Act, clients not using insurance are entitled to a written estimate of expected costs before beginning care. You will receive one automatically.
Cancellations and scheduling
Sessions are typically weekly and run 50 minutes, with 75 to 90 minute blocks available for EMDR processing. Please provide 24 hours notice to reschedule; late cancellations are billed to you directly rather than to insurance. Life happens, and genuine emergencies are always handled reasonably.
More questions answeredBLOOMSTEAD COUNSELING: A SAFE PLACE TO FLOURISH
Coverage sorted? Let's begin.
Bring your plan details to a free consultation and we will confirm the specifics before you commit to anything.
Telehealth sessions throughout Texas. In-person office opening in Houston, Texas — November 2026